Understanding Uninsured/Underinsured Protections

What is Uninsured & Underinsured Motorist Protection?

Uninsured and Underinsured Motorist Protection (designated UM/UIM) is a type of coverage under your own insurance policy. Pennsylvania law requires that every automobile insurance policy issued must offer the insured the option to purchase Underinsured and Uninsured Motorist Protection. The PA uninsured motorist law is so clear and strong, that the only way an automobile insurance policy may be issued without providing this protection is if the insurance company provides the insured with a specific Waiver Form written by the State of Pennsylvania, and has the insured sign and date that form.

Unfortunately, some insurance companies make it extremely difficult to file for a UM/UIM claim and do not honor claims in good faith. It doesn't matter if you've paid coverage for months, or even years, they will resist paying fair value.

Request A Consultation If You Need Help Filing An UM/UIM Claim

While being involved in an auto accident caused by another driver is difficult, being the victim in an accident caused by an uninsured or underinsured motorist can and often will add a layer of complexity to your claim experience. Victims of auto accidents caused by an uninsured or underinsured driver may be able to be compensated by their own insurance company if they have uninsured/underinsured motorist coverage.

If your insurance policy states that the Underinsured and Uninsured Motorist Protection has been waived or your insurance company has denied benefits, you should call Mayerson Injury Law, P.C. for an immediate consultation. We will ensure that the insurance company has complied with Pennsylvania law. If it has not, we will work to ensure you are provided with the underinsured and uninsured benefits to which you would then be entitled.


Give our firm a call at (610) 492-7155 or contact us online to schedule a free initial case evaluation.


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